INTERMEDIARY SALES SUPPORT—DCIO - T. Rowe Price · PDF file · 2018-02-14Cell: 949.514.5494 Michele_Giangrande@ Jesse Perry, CRPC

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INTERMEDIARY SALES SUPPORT—DCIO

Regional Sales Consultant Territory Contact Info Intermediary Sales Consultants

Brad Vaughan

AK, N. CA, ID, MT, OR, WA

Cell: [email protected]

Brooks Fisher,* QPFC

Direct: [email protected]

Michele Giangrande

AZ, S. CA, HI, S. NV


Jesse Perry, CRPC®


Brett Round

CO, IA, KS, MO, NE, NM, N. NV, UT


Courtney Vollbracht


Eric Milano, QPFC

IL, MN, ND, SD, WI


Tim White*


Keith Blackmon

AR, LA, OK, TX


Andy Winn, CRPC®


Open FL, GA Intermediary Sales Desk:800.371.4613

Jason Butler,* CIMA®


Brandon Shea

AL, MS, NC,S. KY, SC, TN


Javier Bermudez


Cindy Kennedy

IN, N. KY, MI,W. OH


Amanda Malone Klink


Jonathan Wilkinson NJ, S. NY Cell: 908.200.9960

[email protected] Norris


Chris Augelli, QPFC

DE, MD, E. PA, VA


Andrew Beliveau, QPFC


Alan Valenca, CFP®, CIMA®

CT, MA, ME, NH, RI, VT

Cell: [email protected] Jessica Hohne Direct: 410.345.2593

[email protected]

Chris McAvoy N. NY, NE. OH, W. PA, WV

Cell: [email protected] Katie Erich Direct: 410.577.8293

[email protected]

U.S. Intermediaries | Head of DCIO Field Sales

Mark Cover

Office: 410.345.4956Cell: [email protected]

Manager, Intermediary Sales Consultants

Ryan Liberatore

Office: 410.345.5155Cell: [email protected]

Intermediary Sales Desk:800.371.4613troweprice.com/fi

*Senior Intermediary Sales Consultant

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T. Rowe Price Value-Add ResourcesTools to help you incorporate innovative and actionable insights into your practice.

Investment Benchmarking

fi360® and RPAGTM proprietary investment rating systems help decision makers identify and monitor investments in the course of their due diligence process. Analysis includes:

� Investment Highlight Report � Quarterly Scorecards � Fund Comparisons

BrightScope

This in-depth Beacon™ report provides access to year-over-year plan-specific trend information. It can help you prepare for client and prospect meetings or uncover potential areas where you can make recommendations for plan enhancements. Report includes:

� Plan Assets � Providers � Number of Participants � Investment Lineups, Performance, and Fees

RPAG is a registered trademark of The Retirement Plan Advisory Group, Inc.“fi360” and “fi360 Fiduciary Score” are registered trademarks of fi360, Inc. T. Rowe Price Investment Services, Inc., Distributor.

Target Date

Resources to help position, differentiate, and educate clients on the target date space. Materials include:

� Target Date Brochure � Plan Sponsor Presentation � Fiduciary Resources � Participant Education Materials

I N V E S T W I T H C O N F I D E N C E ®

T. Rowe Price Target FundsMarch 31, 2017

LESSEN MARKET VOLATILITY Our Target Funds offer a “straightforward” approach to retirement by providing accumulation prior to retirement while maintaining more moderate equity exposure around and after the target date.

OUR BEST THINKINGOur robust, goal-driven solution is built from our best thinking. Our seasoned portfolio managers utilize T. Rowe Price’s proven investment management, retirement, and asset allocation expertise to help participants reach their goal of reduced volatility approaching age 65 and continued income during retirement.

INDUSTRY LEADERST. Rowe Price has been a pioneer in offering Target Date Solutions dating back to 2002. We have been focused on developing asset allocation solutions that meet diverse client objectives for more than 25 years.

Looking for a greater focus on market risk around retirement?YOUR SEARCH IS OVER.

Not FDIC-insured. May lose value. No bank guarantee.

Sources: Ibbotson Associates, S&P, and T. Rowe Price. All numbers have been rounded.The principal value of the Target Funds is not guaranteed at any time, including at or after the target date, which is the approximate year an investor plans to retire (assumed to be age 65) and likely stop making new investments in the fund. If an investor plans to retire significantly earlier or later than age 65, the funds may not be an appropriate investment even if the investor is retiring on or near the target date. The funds’ allocations among a broad range of underlying T. Rowe Price stock and bond funds will change over time. The funds emphasize asset accumulation prior to retirement, balance the need for reduced market risk and income as retirement approaches, and focus on supporting an income stream over a moderate postretirement withdrawal horizon. The funds are not designed for a lump-sum redemption at the target date and do not guarantee a particular level of income. The funds maintain a significant allocation to equities both prior to and after the target date, which can result in greater volatility.

ASSET ALLOCATION ADJUSTS OVER TIMEOur glide path is designed to focus more on market risk at the time of retirement. The objective of balance stability and shorter-term withdrawal certainty drives the design of the target glide path.

% Equity

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Target 90.0 86.5 82.5 77.5 71.5 65.0 57.5 50.0 42.5 37.0 35.5 34.0 31.0 26.0 20.0 20.0 20.0

S&P TD 92.0 88.5 85.5 82.0 77.5 71.5 64.0 55.5 46.5 36.0 30.0 30.0 30.0 30.0 30.0 30.0 30.0

Helping plan sponsors understand their fiduciary duties

FiduciarySource® Guide

Next Generation Thinking: Financial WellnessSo much of the financial wellness conversation to date has focused on the potential health care cost mitigation of adopting organizations.

A more effective angle, however, may come in the form of the company’s increased ability to recruit, retain, and allow a happier workforce to retire on time.

This provides advisors with a unique way to address financial wellness and differentiate themselves with prospects.

Wellness Programs Aim to Keep Employees and Employers HappyT. Rowe Price conducted a plan sponsor survey in April 20161 to get their thoughts about financial wellness and other defined contribution trends. When asked what the major objectives of financial wellness initiatives are for your company, plan sponsors responded with:

Recruit, Retain, RetireREFRAMING FINANCIAL WELLNESS

These responses are almost identical to the common reasons why employers offer an overall benefits package in the first place—to recruit and retain top talent.

Financial wellness programs, for the most part, are focused on more holistic financial education, such as debt management, budgeting, and saving and spending strategies. It takes some connecting the dots to figure out why retirement advisors—who are typically focused on investments, plan design, and fiduciary issues—are the ones proactively addressing something as broad as financial wellness programs.

Why Advisors Are Focusing on Financial WellnessThe willingness of an employer to consider implementing a financial wellness program seems to be driven more by employee satisfaction than a desire to increase retirement savings. Therefore, it’s up to the plan advisor to reframe the discussion with plan sponsors to show the importance of a financial wellness program to improve financial readiness.

The foundational objective of a financial wellness program should be to positively impact the overall financial condition of the participant. This then gives them the capacity to generate increased retirement savings.

However, in our survey, only 34% of plan sponsors polled viewed increased 401(k) deferral rates as a major objective. And only around 20% viewed decreasing 401(k) cash-outs and loans—actions that could be viewed as financially distressed behavior—as a major objective. This presents the advisor with a huge

74%

Major Objective: Retaining skilled employees

69%

Major Objective: Increasing employee satisfaction

67%

Major Objective: Improving employee productivity

64%

Major Objective: Competing effectively for skilled employees

Advisors have a huge opportunity to

make the connection between financial

wellness and a workforce that has

saved enough to retire on time.

Value-add program that provides tools to identify financial wellness needs and offer informed solutions to help employers and employees. Collateral includes:

� Financial Wellness Program Evaluator � Plan Sponsor Discussion Guide � Considerations for Selecting a Financial Wellness Provider � Pitch Points Sales Guide � “Recruit, Retain, Retire”

What you receive You now have access to customized reports that present a variety of plan-specific statistics from BrightScope’s database of retirement plan information.

In addition to an evaluation of plan health, BrightScope’s in-depth Beacon™ report gives you access to year-over-year trend information, such as:

n Plan assets n Providers n Number of participants n Investment lineups n Investment performance n Investment fees

How to use the information You can access comprehensive plan information with a phone call or e-mail. This takes the legwork out of locating and organizing data—so you can focus on individual sponsor concerns or refine your value proposition.

Meeting preparation is tedious. But having key information—such as fee benchmarking data, how long an investment has been in a lineup, and annual asset trends—ahead of time lets you walk in with best practice recommendations and discussion points at the ready. You’ll look more prepared, experienced, and knowledgeable in the eyes of your clients.

Get started today Contact your T. Rowe Price representative with the name of a client or prospect. Using BrightScope’s database, T. Rowe Price will produce a report and send it to you.

We can also provide a guide that explains each section of the report, how to position information with clients, as well as provocative questions to start engaging conversations.

Not sure who to contact at T. Rowe Price? Call our internal sales desk at 1-800-371-4613.

FOR INSTITUTIONAL INVESTOR USE ONLY

T. Rowe Price and BrightScope are not affiliated companies.

Who is BrightScope?BrightScope is a nationally recognized financial information company that offers detailed investment and provider data on 50,000 defined contribution (DC) plans, covering more than $3 trillion in assets.

Using a plan’s Form 5500 and financial audit information, BrightScope is able to aggregate and organize vital statistics that DC professionals can analyze to enhance plan design and improve retirement outcomes.

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Powerful rePorting. exPert analysis.T. Rowe Price has partnered with BrightScope to provide you with comprehensive, plan-level data that allows you to have higher-value interactions with clients and prospects.

BRIGHTSCOPE USER GUIDE | 3

SECTIONS 1 & 2: Plan Overview & Plan Assets

LOOK DEEPER:

Knowing the industry, you can now use that information to benchmark the plan against its peer group.

FOOD FOR THOUGHT:

n Use surveys, case studies, or other well-regarded studies to benchmark the plan relative to peers.

n Do you advise other plans within that particular industry? If so, you may be able to benchmark it using data you already have.

n Use T. Rowe Price’s free benchmarking site: troweprice.com/referencepoint. It comprises plan data from more than 800 full-service plans and 2 million participants.

WHAT IT IS:

Basic company information as filled out on the previous year’s Form 5500.*

LOOK DEEPER:

n Is the plan growing or shrinking in asset size?

n Is the rise or fall in assets due to market conditions, company growth (or reduction), or recent plan design enhancements?

FOOD FOR THOUGHT:

n As the advisor, is the growth or reduction in assets aligned with the level of service you’re providing?

n What is the return on investment you’re receiving based on the amount of time spent servicing the plan?

n Should you reconsider your level of service, fees, or willingness to retain them as a client?

WHAT IT IS:

Plan net assets and plan net flows as listed on each year’s Form 5500 for which data is available.

Plan Assets

Plan Overview

* All data shown in this brochure is hypothetical; no actual plan data is shown.

USERGUIDETURN PLAN DATA INTO MORE SUCCESSFUL DISCUSSIONS

BrightScope Customized Plan Reports

FOR INSTITUTIONAL INVESTOR USE ONLY

Provided by T. Rowe Price

See Target Date Solutions FROM A WHOLE NEW PERSPECTIVE

For Institutional Investor Use Only. Not For Further Distribution.

Focus on Investing

A convenient way to invest for retirementEach Retirement Fund is a mutual fund made up of other mutual funds. That means you get a mix of different invest-ments—in large and small companies, both domestic and foreign. A diversified portfolio can help to reduce the overall volatility of your retirement account.

The performance and risks of each Retirement Fund will directly correspond to the performance and risks of the under-lying funds in which it invests. By investing in many underlying funds, Retirement Funds have partial exposure to the risks and returns of many different areas of the market, including the possible loss of principal.

Automatically adjusted over timeThe Retirement Funds’ allocations are actively managed for 30 years after their target dates. Retirement Funds geared toward a longer time horizon, such as 30 years or more, start out with a more aggressive risk/return potential (the potential to earn or lose money), which gradually becomes more conservative (less risky) over time.

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How you can benefitRetirement Funds may be right for you if you feel you don’t have the time or the experience to select your own investment portfolio. Here are some other advantages:

• One-step portfolios. You don’t mix and match them with other options.

• Professional diversification, which may help reduce the impact of the market’s ups and downs on your account. Diversification does not assure a profit or protect against a loss in a declining market.

• Automatic rebalancing among stocks, bonds, and conservative bonds helps the funds stay on track.

How you choose a fundYou can choose the fund with a target date that is closest to the year when you will turn age 65. However, depending on your risk tolerance and time horizon, you may consider a Retirement Fund with a different target date.

If youwere born...

You might consider thefollowing Retirement Fund…

In 1993 or after » Retirement 2060 Fund

1988 – 1992 » Retirement 2055 Fund










In 1942 or before » Retirement 2005 Fund

If the date you have in mind falls between two funds, choosing the fund with the earlier date may expose you to less risk (the chance of losing money)—and also less return (the chance to earn more). Funds with later dates invest more aggressively—that is, you have a greater potential for both risk and reward.

Would you like more information?If you have any questions or if you’d like to invest today, call your retirement plan’s recordkeeper or visit their website.

Call 1-800-638-7780 to request a prospectus, which includes investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing.

The principal value of the Retirement Funds is not guaranteed at any time, including at or after the target date, which is the approximate year an investor plans to retire (assumed to be age 65) and likely stop making new investments in the fund. If an investor plans to retire significantly earlier or later than age 65, the funds may not be an appropriate investment even if the investor is retiring on or near the target date. The funds’ allocations among a broad range of underlying T. Rowe Price stock and bond funds will change over time. The funds emphasize potential capital appreciation during the early phases of retirement asset accumulation, balance the need for appreciation with the need for income as retirement

T. Rowe Price Retirement Funds: A convenient way to invest.

Investing for retirement can be confusing, but it’s an important step to take. If you don’t have the time or desire to choose your investments and manage your portfolio, a T. Rowe Price Retirement Fund may be right for you.

Retirement Funds make it convenient to invest in your financial future. Each fund is a professionally managed, one-step portfolio that’s automatically adjusted with a specific target date in mind.

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Documents

INTERMEDIARY SALES SUPPORT—DCIO - T. Rowe Price · PDF file · 2018-02-14Cell: 949.514.5494 Michele_Giangrande@ Jesse Perry, CRPC